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Life/AD&D
- Higher volume life insurance amounts can be purchased with guarantee issue
- Accelerated benefits & life waiver of premium benefits built-in
- Proven respectful and rapid payment of employee and retiree claims
Accident
- Unique, affordable plan offerings
- Payments made directly to the employee to use for any expense, medical or otherwise
- Benefits are not tied to medical out-of-pocket costs
- Guarantee issue and employees can still contribute to an HSA plan
- Indemnity-based benefit payments (schedule of benefits)
Critical Illness
- Guarantee option for groups with 51+ eligible employees
- 24-month rate guarantee
- Wellness benefit may be included
- Portability allows member to keep policy when changing jobs
Hospital Indemnity
- Worksite coverage allows Guaranteed Issue: $200 Daily Benefit Amount & Simplified Issue: $210 - $900 Daily Benefit Amount; eligible ages 18-85, guaranteed renewable for life
- Worksite Coverage up to 35 days per year of inpatient hospitalization, includes up to 4 days of treatment in an observation unit
- Worksite coverage has available rider options for more design flexibility
- Only the insurance policy can give you actual coverage amounts, terms, conditions, limitation and exclusions. LifeSecure Insurance Company – Brighton, MI. For agent use only. Not for solicitation purposes.
Short-Term Disability
- Telephone claim intake for ALL group sizes
- Work Incentive, Worksite Modification & Survivor benefits built-in
- Lump Sum payment option for maternity and other specified disabilities
Long-Term Disability
- Integrated STD to LTD claim management
- Disability Resource Services (EAP Program) & Partial Disability Benefit built-in
- ‘Own Occupation’ to ‘Any Occupation’ transition
- ‘Diagnosed as Totally Disabled’ and/OR ‘Show a Loss of Income’ Option
- Extensive rider options to allow for rich and flexible plan designs
Dental Care
- Flexible plan designs include passive, active and exclusive PPOs, voluntary options, ortho coverage
- Huge PPO network lets members choose from more than 118,000 unique dentists in 440,000 locations throughout the U.S., including nearly 3.400 in Michigan
- Per-claim participation arrangement means lets non-PPO dentists can participate
- Small group plans include required pediatric dental coverage
- No-cost wellness program integrates oral and overall health to keep members happier and healthier
Eye Care
- Multiple plan options
- Access to the largest network of private practice eye care doctors in the industry
- Ease of administration (one ID card for medical and vision)
- Connection to overall health
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